尚融宝29-提现和还款

小咪咪 2023-10-11 21:47 15阅读 0赞

**目录**

一、提现

（一）需求

（二）前端

（三）后端

1、提现接口

2、回调接口

二、还款

（一）需求

（二）前端

（三）后端

1、还款接口

2、回调接口

--------------------

## 一、提现 ##

### （一）需求 ###

![2ee6d9f866b24700be33e4ba13ff49a2.png][]

放款成功后，借款人可以申请提现。

参考《汇付宝商户账户技术文档》3.15用户申请提现

![f428b162223e4405aa773197d17c2d77.jpeg][]

### （二）前端 ###

pages/user/withdraw.vue

### （三）后端 ###

#### 1、提现接口 ####

UserAccountController

@ApiOperation("用户提现")
    @PostMapping("/auth/commitWithdraw/{fetchAmt}")
    public R commitWithdraw(
        @ApiParam(value = "金额", required = true)
        @PathVariable BigDecimal fetchAmt, HttpServletRequest request) {
    
        String token = request.getHeader("token");
        Long userId = JwtUtils.getUserId(token);
        String formStr = userAccountService.commitWithdraw(fetchAmt, userId);
        return R.ok().data("formStr", formStr);
    }

接口：UserAccountService

String commitWithdraw(BigDecimal fetchAmt, Long userId);

实现：UserAccountServiceImpl

@Resource
    private UserBindService userBindService;
    
    @Resource
    private UserAccountService userAccountService;
    
    @Override
    public String commitWithdraw(BigDecimal fetchAmt, Long userId) {
    
        //账户可用余额充足：当前用户的余额 >= 当前用户的提现金额
        BigDecimal amount = userAccountService.getAccount(userId);//获取当前用户的账户余额
        Assert.isTrue(amount.doubleValue() >= fetchAmt.doubleValue(),
                      ResponseEnum.NOT_SUFFICIENT_FUNDS_ERROR);
    
    
        String bindCode = userBindService.getBindCodeByUserId(userId);
    
        Map<String, Object> paramMap = new HashMap<>();
        paramMap.put("agentId", HfbConst.AGENT_ID);
        paramMap.put("agentBillNo", LendNoUtils.getWithdrawNo());
        paramMap.put("bindCode", bindCode);
        paramMap.put("fetchAmt", fetchAmt);
        paramMap.put("feeAmt", new BigDecimal(0));
        paramMap.put("notifyUrl", HfbConst.WITHDRAW_NOTIFY_URL);
        paramMap.put("returnUrl", HfbConst.WITHDRAW_RETURN_URL);
        paramMap.put("timestamp", RequestHelper.getTimestamp());
        String sign = RequestHelper.getSign(paramMap);
        paramMap.put("sign", sign);
    
        //构建自动提交表单
        String formStr = FormHelper.buildForm(HfbConst.WITHDRAW_URL, paramMap);
        return formStr;
    }

#### 2、回调接口 ####

UserAccountController

@ApiOperation("用户提现异步回调")
    @PostMapping("/notifyWithdraw")
    public String notifyWithdraw(HttpServletRequest request) {
        Map<String, Object> paramMap = RequestHelper.switchMap(request.getParameterMap());
        log.info("提现异步回调：" + JSON.toJSONString(paramMap));
    
        //校验签名
        if(RequestHelper.isSignEquals(paramMap)) {
            //提现成功交易
            if("0001".equals(paramMap.get("resultCode"))) {
                userAccountService.notifyWithdraw(paramMap);
            } else {
                log.info("提现异步回调充值失败：" + JSON.toJSONString(paramMap));
                return "fail";
            }
        } else {
            log.info("提现异步回调签名错误：" + JSON.toJSONString(paramMap));
            return "fail";
        }
        return "success";
    }

接口：UserAccountService

void notifyWithdraw(Map<String, Object> paramMap);

实现：UserAccountServiceImpl

@Transactional(rollbackFor = Exception.class)
    @Override
    public void notifyWithdraw(Map<String, Object> paramMap) {
    
        log.info("提现成功");
        String agentBillNo = (String)paramMap.get("agentBillNo");
        boolean result = transFlowService.isSaveTransFlow(agentBillNo);
        if(result){
            log.warn("幂等性返回");
            return;
        }
    
        String bindCode = (String)paramMap.get("bindCode");
        String fetchAmt = (String)paramMap.get("fetchAmt");
    
        //根据用户账户修改账户金额
        baseMapper.updateAccount(bindCode, new BigDecimal("-" + fetchAmt), new BigDecimal(0));
    
        //增加交易流水
        TransFlowBO transFlowBO = new TransFlowBO(
            agentBillNo,
            bindCode,
            new BigDecimal(fetchAmt),
            TransTypeEnum.WITHDRAW,
            "提现");
        transFlowService.saveTransFlow(transFlowBO);
    }

## 二、还款 ##

### （一）需求 ###

放款成功后，会生成借款人的还款计划与出借人的回款计划，然后借款人按照还款计划日期操作还款即可。

参考《汇付宝商户账户技术文档》3.14还款扣款，处理业务即可

![24714d3db5d54f82aa3723a3d51958de.jpeg][]

### （二）前端 ###

还款按钮pages/lend/\_id.vue

<td>
        <a href="javascript:" @click="commitReturn(lendReturn.id)">
            {
       { lendReturn.status === 0 ? '还款' : '' }}
        </a>
    </td>

脚本pages/lend/\_id.vue

commitReturn(lendReturnId) {
      this.$alert(
        '<div style="size: 18px;color: red;">您即将前往汇付宝确认还款</div>',
        '前往汇付宝资金托管平台',
        {
          dangerouslyUseHTMLString: true,
          confirmButtonText: '立即前往',
          callback: (action) => {
            if (action === 'confirm') {
              this.$axios
                .$post('/api/core/lendReturn/auth/commitReturn/' + lendReturnId)
                .then((response) => {
                  document.write(response.data.formStr)
                })
            }
          },
        }
      )
    }

### （三）后端 ###

#### 1、还款接口 ####

LendReturnController

@ApiOperation("用户还款")
    @PostMapping("/auth/commitReturn/{lendReturnId}")
    public R commitReturn(
        @ApiParam(value = "还款计划id", required = true)
        @PathVariable Long lendReturnId, HttpServletRequest request) {
    
        String token = request.getHeader("token");
        Long userId = JwtUtils.getUserId(token);
        String formStr = lendReturnService.commitReturn(lendReturnId, userId);
        return R.ok().data("formStr", formStr);
    }

接口：LendReturnService

String commitReturn(Long lendReturnId, Long userId);

实现：LendReturnServiceImpl

@Resource
    private UserAccountService userAccountService;
    
    @Resource
    private LendMapper lendMapper;
    
    @Resource
    private UserBindService userBindService;
    
    @Resource
    private LendItemReturnService lendItemReturnService;
    
    @Transactional(rollbackFor = Exception.class)
    @Override
    public String commitReturn(Long lendReturnId, Long userId) {
    
        //获取还款记录
        LendReturn lendReturn = baseMapper.selectById(lendReturnId);
    
        //判断账号余额是否充足
        BigDecimal amount = userAccountService.getAccount(userId);
        Assert.isTrue(amount.doubleValue() >= lendReturn.getTotal().doubleValue(),
                      ResponseEnum.NOT_SUFFICIENT_FUNDS_ERROR);
    
        //获取借款人code
        String bindCode = userBindService.getBindCodeByUserId(userId);
        //获取lend
        Long lendId = lendReturn.getLendId();
        Lend lend = lendMapper.selectById(lendId);
    
        Map<String, Object> paramMap = new HashMap<>();
        paramMap.put("agentId", HfbConst.AGENT_ID);
        //商户商品名称
        paramMap.put("agentGoodsName", lend.getTitle());
        //批次号
        paramMap.put("agentBatchNo",lendReturn.getReturnNo());
        //还款人绑定协议号
        paramMap.put("fromBindCode", bindCode);
        //还款总额
        paramMap.put("totalAmt", lendReturn.getTotal());
        paramMap.put("note", "");
        //还款明细
        List<Map<String, Object>> lendItemReturnDetailList = lendItemReturnService.addReturnDetail(lendReturnId);
        paramMap.put("data", JSONObject.toJSONString(lendItemReturnDetailList));
        paramMap.put("voteFeeAmt", new BigDecimal(0));
        paramMap.put("notifyUrl", HfbConst.BORROW_RETURN_NOTIFY_URL);
        paramMap.put("returnUrl", HfbConst.BORROW_RETURN_RETURN_URL);
        paramMap.put("timestamp", RequestHelper.getTimestamp());
        String sign = RequestHelper.getSign(paramMap);
        paramMap.put("sign", sign);
    
        //构建自动提交表单
        String formStr = FormHelper.buildForm(HfbConst.BORROW_RETURN_URL, paramMap);
        return formStr;
    }

**还款明细service**

根据还款id获取回款列表

LendReturnService接口：

List<Map<String, Object>> addReturnDetail(Long lendReturnId);

LendReturnServiceImpl实现：

@Resource
    private UserBindService userBindService;
    
    @Resource
    private LendItemMapper lendItemMapper;
    
    @Resource
    private LendMapper lendMapper;
    
    @Resource
    private LendReturnMapper lendReturnMapper;
    
    /**
    * 添加还款明细
    * @param lendReturnId
    */
    @Override
    public List<Map<String, Object>> addReturnDetail(Long lendReturnId) {
    
        //获取还款记录
        LendReturn lendReturn = lendReturnMapper.selectById(lendReturnId);
        //获取标的信息
        Lend lend = lendMapper.selectById(lendReturn.getLendId());
    
        //根据还款id获取回款列表
        List<LendItemReturn> lendItemReturnList = this.selectLendItemReturnList(lendReturnId);
        List<Map<String, Object>> lendItemReturnDetailList = new ArrayList<>();
        for(LendItemReturn lendItemReturn : lendItemReturnList) {
            LendItem lendItem = lendItemMapper.selectById(lendItemReturn.getLendItemId());
            String bindCode = userBindService.getBindCodeByUserId(lendItem.getInvestUserId());
    
            Map<String, Object> map = new HashMap<>();
            //项目编号
            map.put("agentProjectCode", lend.getLendNo());
            //出借编号
            map.put("voteBillNo", lendItem.getLendItemNo());
            //收款人（出借人）
            map.put("toBindCode", bindCode);
            //还款金额
            map.put("transitAmt", lendItemReturn.getTotal());
            //还款本金
            map.put("baseAmt", lendItemReturn.getPrincipal());
            //还款利息
            map.put("benifitAmt", lendItemReturn.getInterest());
            //商户手续费
            map.put("feeAmt", new BigDecimal("0"));
    
            lendItemReturnDetailList.add(map);
        }
        return lendItemReturnDetailList;
    }

根据还款计划id获取对应的回款计划列表

接口：

List<LendItemReturn> selectLendItemReturnList(Long lendReturnId);

实现：

@Override
    public List<LendItemReturn> selectLendItemReturnList(Long lendReturnId) {
        QueryWrapper<LendItemReturn> queryWrapper = new QueryWrapper<>();
        queryWrapper.eq("lend_return_id", lendReturnId);
        List<LendItemReturn> lendItemReturnList = baseMapper.selectList(queryWrapper);
        return lendItemReturnList;
    }

#### 2、回调接口 ####

LendReturnController

@ApiOperation("还款异步回调")
    @PostMapping("/notifyUrl")
    public String notifyUrl(HttpServletRequest request) {
    
        Map<String, Object> paramMap = RequestHelper.switchMap(request.getParameterMap());
        log.info("还款异步回调：" + JSON.toJSONString(paramMap));
    
        //校验签名
        if(RequestHelper.isSignEquals(paramMap)) {
            if("0001".equals(paramMap.get("resultCode"))) {
                lendReturnService.notify(paramMap);
            } else {
                log.info("还款异步回调失败：" + JSON.toJSONString(paramMap));
                return "fail";
            }
        } else {
            log.info("还款异步回调签名错误：" + JSON.toJSONString(paramMap));
            return "fail";
        }
        return "success";
    }

接口：LendReturnService

void notify(Map<String, Object> paramMap);

实现：LendReturnServiceImpl

@Resource
    private TransFlowService transFlowService;
    
    @Resource
    private UserAccountMapper userAccountMapper;
    
    @Resource
    private LendItemReturnMapper lendItemReturnMapper;
    
    @Resource
    private LendItemMapper lendItemMapper;
    
    @Transactional(rollbackFor = Exception.class)
    @Override
    public void notify(Map<String, Object> paramMap) {
    
        log.info("还款成功");
    
        //还款编号
        String agentBatchNo = (String)paramMap.get("agentBatchNo");
    
        boolean result = transFlowService.isSaveTransFlow(agentBatchNo);
        if(result){
            log.warn("幂等性返回");
            return;
        }
    
        //获取还款数据
        String voteFeeAmt = (String)paramMap.get("voteFeeAmt");
        QueryWrapper lendReturnQueryWrapper = new QueryWrapper<LendReturn>();
        lendReturnQueryWrapper.eq("return_no", agentBatchNo);
        LendReturn lendReturn = baseMapper.selectOne(lendReturnQueryWrapper);;
    
        //更新还款状态
        lendReturn.setStatus(1);
        lendReturn.setFee(new BigDecimal(voteFeeAmt));
        lendReturn.setRealReturnTime(LocalDateTime.now());
        baseMapper.updateById(lendReturn);
    
        //更新标的信息
        Lend lend = lendMapper.selectById(lendReturn.getLendId());
        //最后一次还款更新标的状态
        if(lendReturn.getLast()) {
            lend.setStatus(LendStatusEnum.PAY_OK.getStatus());
            lendMapper.updateById(lend);
        }
    
        //借款账号转出金额
        BigDecimal totalAmt = new BigDecimal((String)paramMap.get("totalAmt"));//还款金额
        String bindCode = userBindService.getBindCodeByUserId(lend.getUserId());
        userAccountMapper.updateAccount(bindCode, totalAmt.negate(), new BigDecimal(0));
    
        //借款人交易流水
        TransFlowBO transFlowBO = new TransFlowBO(
            agentBatchNo,
            bindCode,
            totalAmt,
            TransTypeEnum.RETURN_DOWN,
            "借款人还款扣减，项目编号：" + lend.getLendNo() + "，项目名称：" + lend.getTitle());
        transFlowService.saveTransFlow(transFlowBO);
    
        //获取回款明细
        List<LendItemReturn> lendItemReturnList = lendItemReturnService.selectLendItemReturnList(lendReturn.getId());
        lendItemReturnList.forEach(item -> {
            //更新回款状态
            item.setStatus(1);
            item.setRealReturnTime(LocalDateTime.now());
            lendItemReturnMapper.updateById(item);
    
            //更新出借信息
            LendItem lendItem = lendItemMapper.selectById(item.getLendItemId());
            lendItem.setRealAmount(item.getInterest());
            lendItemMapper.updateById(lendItem);
    
            //投资账号转入金额
            String investBindCode = userBindService.getBindCodeByUserId(item.getInvestUserId());
            userAccountMapper.updateAccount(investBindCode, item.getTotal(), new BigDecimal(0));
    
            //投资账号交易流水
            TransFlowBO investTransFlowBO = new TransFlowBO(
                LendNoUtils.getReturnItemNo(),
                investBindCode,
                item.getTotal(),
                TransTypeEnum.INVEST_BACK,
                "还款到账，项目编号：" + lend.getLendNo() + "，项目名称：" + lend.getTitle());
            transFlowService.saveTransFlow(investTransFlowBO);
    
        });
    }

[2ee6d9f866b24700be33e4ba13ff49a2.png]: https://img-blog.csdnimg.cn/2ee6d9f866b24700be33e4ba13ff49a2.png
[f428b162223e4405aa773197d17c2d77.jpeg]: https://img-blog.csdnimg.cn/f428b162223e4405aa773197d17c2d77.jpeg
[24714d3db5d54f82aa3723a3d51958de.jpeg]: https://img-blog.csdnimg.cn/24714d3db5d54f82aa3723a3d51958de.jpeg